11 Mar 2013

How long do tradelines take to report and post?

Often, our clients want to know how long do tradelines take to report and post to their credit files. Each tradeline is an account that reports monthly. This means, the bank collects all the information associated with that tradeline (the age, limit, balance, payment history, authorized users, etc.) and sends it to the credit bureaus. This, usually, happens every month. However, some banks report weekly (especially store cards).

So, in order to have the tradeline added to your credit report, you must have been added to the tradeline prior to the bank collecting all of the information they will eventually send to the credit bureaus. The closer to statement date (also the date on which they collect the tradeline’s information) the less likely you are to report on that cycle. The sooner are added, the more likely you will be included in that information the bank collects to send to the bureaus. To determine how long do tradelines take to report, you must consider the previous factors

How long do tradelines take to show up on my credit report?

One more relevant piece of information… once the bank sends the information to the bureaus; it usually takes about 3 to 5 days for the credit bureaus to update the information. That brings us to the most common tradeline questions asked by clients, followed by our answers. These questions usually revolve around timing and how long do tradelines take, in general.

How long do tradelines take to post?

Now, let’s put this information in practice to answer the question. Let’s say the statement date of the tradeline is the 1st of the month. Let’s say we add you to the 15th, which is plenty of time for the bank to collect this information. After the bank sends this information to the credit reporting agencies, they update the reports affected 3 to 5 days later. In this scenario, it took 20 days to have you listed as an authorized user (15 days for the statement date, and 5 days for the credit bureaus to update reports).

A less desirable scenario is that you were late submitting your order to us and you were added to the tradeline too close to the statement date. This could prevent you from being added to that first cycle. As a result, you’d have to wait for another reporting cycle, which is 30 days. You just went from 20 days to 40 days. In the worst case, there are security freezes, fraud alerts or other issues with your credit file that prevent the tradeline from reporting at all.

How long do Tradelines take or stay on my credit report?

Tradelines can stay on your credit report for years. They can also fall off in as little as 60 days. Typical reporting times for authorized user tradelines are about 6 months to 1 year. However, and as explained here, you should concern yourself more with utilizing the benefit of tradelines as soon as possible without regard for how long it stays on your report. And, as explained in the answer below, the impact of the tradeline does diminish over time, so even if it is on the report years from now, it might have little effectaffect whatsoever.

I’ve read that these give you a temporary boost, but then the boost gradually diminishes. Why is that? Wouldn’t the boost persist if the tradeline(s) are still on my report?

The reason the impact of authorized user tradelines diminishes is a result of the way it reports. Let me explain why the impact of other types of tradelines remain.

Let’s say you have a Capital One credit card, or CITI card, whatever… that “tradeline” is reporting actively. This means, it reports every month and ever month it reports the positive impact (assuming it’s paid on time) is recalculated over and over. As it relates to seasoned tradelines (authorized users), the tradeline reports once. You inherit the previous payment history which causes your score to rapidly increase.

However, on month 2, it is not actively reporting… on month three, it’s not three months old. Month six, six months old. Your credit score is affected most by recent items. Therefore, old items have less of an impact on your credit score. Note: this is true for negative information as well. For example, if you have a 3 month old collection, it is killing your credit score. If you have a 3 year old collection, it has a much smaller negative impact than the 3 month old collection.

Kate is a managing member of Superior Tradelines, LLC. She manages and coordinates the company's operations and makes sure clients are assisted with care. You can contact Kate directly by calling: 321-328-0908 or by email: kate@superiortradelines.com

37 thoughts on “How long do tradelines take to report and post?”

If I paid a guy for 2 tradelines on 8/28/14 how long should the process take. And also can 2 tradelines be added at the same time. He also stated that one tradeline was on already but not to check my credit report yet cause I could mess something up.

Yes, you can post more than one tradeline at a time, but it is unlikely that they will have the same exact report date and equally unlikely that the creditors, eoscar, and the credit bureaus will act in sync and post them to your file at the same time. So, that question doesn’t really matter as much, unless the company is using that as an excuse for their failure to deliver.

As for “not checking” your report… there are a few limited circumstances in which this makes sense. For one example, they might have added an address to make the tradelines link to your credit report, and if you go around pulling your report (especially with a legitimate hard pull from a credit application), you could remove that address and prevent the tradeline from reporting.

You said you purchased on 8/28/2014 and you posed this question on 10/15/2014 (47 days later), which is the maximum time frame required to have tradelines report to a file. I would certainly follow up with the company as the tradelines should be on your report.

Just out of curiosity, why are you asking? The answer to your question, unfortunately, is that I don’t know. They typically report at random and as far as I can think, it wouldn’t really matter if it’s in the morning afternoon or night. As far as credit and goals are concerned, you should look at this venture in a days and weeks time frame, so that you have reasonable expectations. I don’t know from answering your question about when trade lines report, but I just wanted to give you my two cents.

Well, if you were already approved, you may not need tradelines, right? It seems to me if you’re in a position to be approved, I’m not sure what tradelines will do for you from here. What credit goals are you trying to obtain, aside from the credit cards?

Possibly, actually. But, you don’t need an 800 credit score… for anything. I think the highest threshold, right now, for any loan is 740. Just wanted to point that out. But, to answer your question, we’ve posted some credit reports showing the results of authorized user tradelines under three drastically different credit circumstances. You can see the last one was the situation you described: three tradelines with NOTHING on the credit report (other than the tradelines added). You can see that here: https://superiortradelines.com/add-tradelines/score-increase-adding-tradelines/

No, it is not possible to add tradelines to an EIN. “Piggybacking” credit requires that you are added as an “authorized user” to a pre-existing account. Only personal credit (on your social security number, which reports to the three major credit bureaus, Experian, TransUnion and Equifax) can have authorized user accounts. In other words, there’s no such thing as an authorized user on business credit. Well, more accurately stated (because you can actually be an authorized user on a business line of credit), business bureaus and business credit score modelers do not factor authorized users. Therefore, you will not receive a benefit, even if you were added to a business line of credit as an authorized user.

What people typically do in your situation (assuming you’re trying to obtain business funding or to other keep your funding separate from you person), is to boost their personal credit to qualify to personally guarantee a line of credit for your business.

Hello. I had 3 tradelines placed and 1 of them fell off. I have multiple inquiries and want to know, if I get the tradeline replaced – will I be able to get approved for credit and such through creditors. I am having a hard time understanding the process with these individuals. Please everyone help

I want to boost my credit score from 580 to 700 at least. What type of tradeline would you recommend? Also, once the tradeline has dropped from my credit report, will my score decrease because its no longer there?

Kin, it’s – unfortunately – more complicated than that. You could have a 580 credit score for different reasons and one of those reasons may allow you to get to 700 and other reasons may not. It matters why your score is 580 not that it is a 580. So, we’d have to do a credit report analysis, first. You can get started (it’s free), here: https://superiortradelines.com/start/

I am looking to raise my credit score with the benefit of tradelines I dont have a long credit history. I have just recieved 2 credit cards and lost 66 points from a previous 673. Could a seosoned tradeline help me get my score back up?

It could. Also, don’t put too much faith in online scores. At least two of the bureaus were sued by the federal government for providing fake scores (one to the tune of a 32 million dollar fine). MyFICO.com is as close are you’re going to get to real scores. Nevertheless, you could be in a good position to benefit from tradelines, so long as you have little to no negative items. https://superiortradelines.com/start/ to get started.

A trade line is an account that appears in your credit report so whether or not it’s good depends on what the trade line reports. For example, if the trade lines reports bad information, it’s bad. If the trendline reports good information, it’s good. When you buy trade lines from us, you’re buying someone else’s labor effort and time to add you to a good trade line in good standing to make your credit score increase.

Belle, I looked you up in the system to see if you were a client. If you were a client, you would have received a contract, a notice about reporting sent to your email and phone via SMS as well as a live status in the member’s area. I don’t bring this to say “you should have bought from us” 🙂 I bring it up because you should have received some kind of information about when the tradelines will report from the company from who you did buy tradelines.

Since you’re not a client of ours, I can only give you general advice based on a “typical” transaction. First, it actually depends on the card. Some cards report more than once per month. Also, sometimes there’s a gap between the statement date and the date on which the tradeline reports to the credit bureaus. Another issue might be the fact that the statement state by the company might not be correct.

But, since you said the statement date was the 31st, we will go with that. It shouldn’t take longer than 3 to 5 days to report after the statement date. It’s the 10th, today. If it’s not there, it probably won’t be, this cycle. Meaning, you’ll have to wait for another 30 days.

Thre’s a few issues that may have happned. The dreaded one: the company didn’t do what they said. But, that’s pretty issue to address. Let me know if that’s the case and I’ll tell you what to do.

Alternatively, the 26th is pretty close to the 31st. Did you close on the deal early in the day? Was the payment processed? Did the company comply with the 3-day cancellation period required by law? If so, you were probably actually added on the 29th or the 30th. I’d say that’s too close and you probably missed the reporting cycle.

I am not a betting man, but if I were, that’s my guess: they shouldn’t have sold you a tradeline that close to the statement date.

Trying to raise my score to mid 7s.my fico is 692,my equifax is 711 and my trans is at a low 676,nothing negative on my buerues but also not enough credit so my question is how many trade lines do i need to get to the mid 7s ?my goal is to get approved for the amex platinum and the chase card

Hello. I have a pretty complicated mix of debt on most of my credit reports. However, my Transunion – which is my middle score (599) according to myfico.com (which shows you your Equifax 5, your Transunion 4, and your Experian 2 by the way and costs 30 bucks) has only 1 collection left on it. I’m sure more information would be helpful but would a tradeline help to boost my Transunion score significantly? My highest score – Experian – is a 635 but it has more negative debt reporting on it than the Transunion, strangely. Would my Experian experience any improvement at all?

My credit score is 560 and I have 16 open credit cards – all high interest. My oldest credit age is 5 yrs. and lots of new one bringing my average credit age below 3 years. I am 95% maxed out with a total debt of $12,500. The good news, I have 100% payments on time.

I want to take out a debt consolidation loan, would a trade line help raise my score… and what would you suggest? Thank you.

I paid a guy to add a tradeline on my credit report for a boost. It posted a couple days ago but my credit score only went up a few points (literally a few). I mentioned it to him but he says that it hasn’t ‘hit’ yet. Should I be concerned? I screen shot him where it shows on my report but I’m just curious on if my credit score will still clime verses just interesting a few points.

It depends on many things. First, the excuse of it not “hitting yet” doesn’t make any sense. If the tradeline is there, you have a new score and it isn’t going to go up any more than it has already. Few questions: is the before and after source the same? What is the source? Sometimes, online sources do not factor authorized user tradelines correctly. And, by “correctly,” I mean it isn’t using the same score your lender is going to use.

Ultimately, the score will not climb. Once the tradeline is there, you have a new score.

However, you need to check a legitimate source for scores.

Based on the limited information I know about your situation here, and the answer the guy gave, I’d say he is inexperienced (or lying).

But, your real problem is that you don’t have a recourse. Tradeline companies don’t sell score increases, they sell tradelines. So, it’s important from the start to work with a company that cares about your scores/goals and isn’t tricking you into buying with the “best” prices.

Okay, so prior to adding tradelines, we would do a credit report analysis and inform you whether we believe tradelines will help. In the case of a 566 credit score, I am not sure any tradeline would work (it would really depend on why it’s 566). But, regardless, a $5,300 tradeline with less than 3 years of history isn’t likely to do anything (in fact, it could make things worse if it pushed you into a different score card, which isn’t likely, but just thinking to my self as I type).

What has happened in the tradeline industry, which has a low barrier to entry (anyone can put a website and say “give me money and I’ll add you to a good tradeline”), is that people are putting the cart before the horse. They’re going through the motions: get money, add authorized user. Before that, the only way they can get clients is to undercut (in price) legitimate companies that know what they’re doing. Then, after a few years of upset clients, they start to figure out how things actually work and either go out of business or start doing things correctly.

Sorry, this is more of a stream of consciousness than helpful, but it’s good to know for you and other clients.

With a 566 credit score, I’m willing to bet you have negative items in your credit report that need credit repair and that NO tradeline would help increase your credit score to any meaningful (approve-able) level.

I would recommend filling out a form here: https://superiortradelines.com/start/ or calling us at 800-431-4741 to get the truth about what you need to do in order to achieve your credit goals. As a person who sells tradelines for a living, I am telling you that tradelines are probably inappropriate at this point in time, that you probably need credit repair first. We’d be happy to confirm that with a free credit report analysis.

Thank you so much for your very detailed response! The first thing I did was pay for my credit to be repaired, which he is in fact still working on. Things just got all out of wack and the tradeline was added before the credit repairs were completely handled (I say that because I received mail from Experian wanting me to pretty much state that it’s really me wanting to dispute things off of my credit…. which was a little weird to me but nevertheless I did it so the repair could move forward). So it’s like I’m waiting for that to be taken care of as well. I just hope it all works out. But I will most definitely be checking out that website you gave me to see what you guys think once seeing my credit. I know a lot of the negative impact on my score is college loans which the ‘credit guy’ told me could be consolidated. I just want to try and get things fixed because I have a business I’m wanting to start which was why he suggested to tradelines in the first place.

Very good. It’s a good suggestion (tradelines), generally. But, sometimes they don’t work (like in your case). So, you’re doing the right thing by researching, which we can help you with pretty quickly in one call. Hope to hear from you soon!

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